Faysal Bank · Fully Islamic bank
Faysal Islami Noor Titanium Card
1 reward point per Rs. 100 local spend; up to 50% merchant discounts
- Annual fee
- Rs 13,000
- Profit rate
- 43%
- Minimum income
- Not published
- Rewards
- Reward points
a year
Faysal Bank
Faysal Islami Noor Titanium Card
Read it from the source
What makes this card Islamic
Faysal Bank builds this card on a Tawarruq contract. The bank sells you a commodity on credit at a marked-up price, you sell that commodity to somebody else for cash, and the cash becomes your spending limit.
Tawarruq via Musawamah on Islamic Mutual Fund units. Revolving credit card with a permitted minimum payment.
Approved by Faysal Bank Limited Shariah Board, under the supervision of State Bank of Pakistan.
What it costs
Every figure below comes from Faysal Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.
- Annual fee
- Rs 13,000Reversed if Rs. 40,000 is spent within 60 days. Utility bills excluded.source
- Supplementary card
- Rs 4,000Reversed on spend of Rs. 20,000 within 60 days.source
- Profit rate
- 43% a yearSalaried Approved 43%, Salaried Unapproved 44%, Self Employed 45%. Retail and cash advance both minimum 43% per annum on outstanding balance. Up to 50 days profit-free if paid in full.source
- Cash withdrawal
- Rs. 35 per off-net ATM transaction. Cash withdrawal limit: Rs. 25,000 or 10% of card limit, whichever is lower.
- Late payment
- Rs 2,500'Musawamah Payment' of Rs. 2,500 per instance.
- Foreign currency spend
- 4.5% on top of the exchange rate
- Replacement card
- Rs 1,500
- Takaful cover
- Noor Takaful at 0.69% of monthly outstanding balance, underwritten by EFU Life-WTO.
What you get back
- Earn 1 reward point on every local spend of Rs. 100
- Earn 3x Reward Points on selected Charitable and Social Service organizations
- Redeem accumulated reward points at 200+ outlets across Pakistan
Other benefits
- Exclusive discounts of up to 50% at partner merchants
- Installment plans via Faysal DigiMall with no early settlement charges
- Up to 5 supplementary cards
- Mastercard International Offers
Before you apply
- The Titanium tier product page lists NO airport lounge access — Gold below it does include Karachi lounge access. Check the current benefit sheet before choosing Titanium over Gold for travel.
- 43-45% APR.
- Rs. 1,500/year chip maintenance fee on top of the annual fee.
Can you get it?
- Other conditions
- Salaried and self-employed both eligible per the KFS APR grid. No published minimum income. Upgrade to Titanium costs Rs. 5,500.
Where these figures come from
Last checked against Faysal Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.
- “Card Type ... Titanium* ... Annual Fee Rs. 13,000/- ... Rs. 40,000/- ... Rs. 1,100/- — Noor Card Key Facts Statement Jul-Dec 2026, s.2.1”
- “Supplementary Cards: Titanium* Annual Fee Rs. 4,000/- ... Rs. 20,000/- — Noor Card KFS Jul-Dec 2026, s.2.1”
- “Card Conversion/Upgrade — Titanium: Rs. 5,500/- — Noor Card KFS Jul-Dec 2026, s.2.11”
- “Simply redeem your accumulated reward points at our 200+ outlets across Pakistan — Faysal Islami Noor Titanium Card product page”
What we could not verify